2017 Open Enrollment Webinar

Transcription

1 2017 Open Enrollment Webinar The Outreach and Sales Distribution Services Team November 2, 2016

2 1. Open Enrollment Marketing Campaign & Bus Tour 3. Website Refresh 4. Opportunities to Engage 5. Online Application (CalHEERS) Update 6. Certification with Covered California AGENDA November 2,

3 OPEN ENROLLMENT 4 2

4 Open Enrollment Facts From 2013 to 2015, nearly 3.2 million Californians have gained health insurance In raw numbers, California s enrollment of nearly 3.2 million into insurance coverage is more than the next three states combined OPEN ENROLLMENT 2017 This helped California cut its uninsured rate in half, from 17.2 percent to 8.6 percent The 8.6 percent decrease is the largest of any state in the nation 92 percent of Californian s have at least 3 plans to choose from and none will have fewer than 2 3 3

5 Open Enrollment Facts Approximately almost 400,000 remaining uninsured are subsidy eligible in California Most likely not yet been touched by Covered California Approximately 1.2 Million nationwide subsidy-eligible consumers enrolled off-exchange without receiving subsidies OPEN ENROLLMENT 2017 Approximately 150, ,000 Californian subsidyeligible consumers enrolled off-exchange without receiving subsidies 4 4

6 Open Enrollment Facts Many have received in person assistance with enrollment, and of those, most were assisted by a Covered California enroller OPEN ENROLLMENT SOURCE: Kaiser Family Foundation California Longitudinal Panel Surveys 5

7 Open Enrollment Facts The statewide weighted average increase is 13.2 percent The increase is higher this OE because this is a transitional year Our three-year average increase is 7 percent. This is lower than pre-affordable Care Act trends OPEN ENROLLMENT 2017 Nearly 80 percent of consumers will pay less or see a rate bump of no more than 5 percent if they switch plans This is why we are focusing more on encouraging consumers to shop for the plan that fits their budget 6 6

8 Service Center 2017 Open Enrollment Operating Hours Agent Service Center Phone: (877) , CEC/PBE Help Line Phone: (855) Small Business (CCSB) Service Center Phone: (855) , OPEN ENROLLMENT 2017 Hours of Operation: Monday thru Friday, 8:00 a.m. to 6:00 p.m. Saturdays and Sundays, Closed Consumer Service Center Phone: (800) Hours of Operations through January 28, 2017 Monday thru Friday, 8:00 a.m. to 8:00 p.m. Saturdays, 8:00 a.m. to 6:00 p.m. Sundays, Closed 7 Review the updated Service Center schedule for availability, extended hours of operation, and a full list of holiday closures throughout the Open Enrollment season. 7

9 What You Need To Know Beginning Wednesday, November 3 through mid-december, consumers who have not taken an active role in renewing their coverage will automatically begin to renew into 2017 coverage PASSIVE RENEWALS Remember, marketplace rates have changed - encourage consumers to Shop & Compare Review our Renewal Tool Kit for resources to help consumers through the renewal process 8 Ensure to double-check that consumers have provided their Consent for Verification as you assist consumers this renewal season If a consumer does not provide consent or it has expired, they will be renewed into coverage without tax credits 8

10 MARKETING CAMPAIGN & BUS TOUR 9

11 Open Enrollment 2017 Cobranding Included the names and/or logos of health insurance companies available through Covered California. Placement in: TV, Radio, Print, Digital, OOH Logos are regionalized in some media channels MARKETING CAMPAIGN & BUS TOUR 10 10

12 Print Ads MARKETING CAMPAIGN & BUS TOUR 11 11

13 Digital Banners MARKETING CAMPAIGN & BUS TOUR 12 12

14 Digital Rich Media Geo Fencing MARKETING CAMPAIGN & BUS TOUR 13 13

15 Television Ad The Scene (English) Welcome to Answers - Updated MARKETING CAMPAIGN & BUS TOUR The Scene (Spanish) 14 14

16 Open Enrollment Bus Tour November 12 20, 2016 Day 1: San Diego Day 2: Los Angeles Day 3: Los Angeles/ Riverside County Day 4: Inland Empire/ Los Angeles County Day 5: Bakersfield/Fresno Day 6: Sacramento Day 7: Oakland/San Francisco/ San Jose Day 8: Santa Cruz View full schedule MARKETING CAMPAIGN & BUS TOUR 15 15

17 WEBSITE UPDATE 16

18 Fresh New Design WEBSITE REFRESH 17 17

19 Fresh New Design WEBSITE REFRESH 18 18

20 Fresh New Design WEBSITE REFRESH 19 19

21 Fresh New Design WEBSITE REFRESH 20 20

22 Fresh New Design WEBSITE REFRESH 21 21

23 OPPORTUNITIES TO ENGAGE 22

24 Sales Tools Covered California Website: Find Local Help to Enroll Covered California Storefront Program Covered California Events Web Page OPPORTUNITIES TO ENGAGE Covered California Collateral Materials 23 23

25 Outreach and Sales Storefront Program 803 Storefronts Certified Insurance Agent or Certified Enrollment Entity brick and mortar offices OPPORTUNITIES TO ENGAGE Open year round to provide in-person enrollment assistance Developing more in hot zones where the uninsured eligible remains Storefront Finder Tool at Become a Storefront 24 24

26 Tool Kits, Briefings and Alerts OPPORTUNITIES TO ENGAGE 25 25

27 ONLINE APPLICATION (CALHEERS) UPDATE 26

28 Consumer Transitions To Medi-Cal Carry Forward Status Covered California consumers who report a change and become eligible or conditionally eligible for MAGI Medi-Cal will retain their Covered California health plan enrollment until a County Eligibility Worker (CEW) makes a final eligibility determination. CalHEERS UPDATES Intended to protect consumers from a gap in coverage Eligibility page will display Carry Forward Status info Consumers will receive a notice with details on status Advanced Premium Tax Credit (APTC), and/or Cost Sharing Reductions (CSR) will be maintained during Carry Forward Status 27 27

29 Consumer Transitions To Medi-Cal Carry Forward Status If Medi-Cal eligible, CEWs will prospectively terminate Covered California coverage following the 15 day business rule CalHEERS UPDATES After review, consumers will retain their enrollment status with their same Covered California health plan (APTC may be updated) if deemed ineligible 28 28

30 Self Employment and Projected Annual Income New question added: How Often? Monthly or Annual values CalHEERS UPDATES New text to guide user in entering the correct income 29 29

31 Self Employment and Projected Annual Income Now displays Net Income (Amount of Gross Self Employment Income minus Gross Self Employment Expenses) Navigates user to the IRS Schedule C form in a new window Allows user to overwrite calculation of Net income CalHEERS UPDATES 30 30

32 APTC Calculation Update Annual APTC amount was calculated based on a full benefit year Consumers received too much or not enough APTC CalHEERS UPDATES APTC calculations only consider applicable coverage months for a benefit year based on coverage start date A month in which the consumer is enrolled in a Qualified Health Plan and eligible or conditionally eligible to APTC for the entire month Example: If APTC changes occur during the year, monthly amounts are recalculated and applied only to future months Helps avoid end of year surplus or deficit amounts 31 31

33 APTC Slider New text gives details on use of tax credits as a monthly advance or annual credit New display simplifies use of slider and clearly displays APTC amounts CalHEERS UPDATES 32 32

34 Auto Disenrollment Due to Verification Inconsistencies CalHEERS will automatically discontinue consumers conditionally eligible for Covered California coverage due to inconsistencies CalHEERS UPDATES Consumers have 95 days to submit requested documents Known as the Reasonable Opportunity Period (ROP) ROP will expire for consumers conditionally eligible for: o Citizenship o Lawful Presence o Incarceration o Deceased 33 33

35 Auto Disenrollment Due to Verification Inconsistencies An eligibility determination displays on the Eligibility Results page: You qualify for only _ days because the information you put on your application does not match the information in the records we checked. To Keep your health insurance, you must submit the following documents by _. CalHEERS UPDATES CalHEERS displays all outstanding verifications needed A notice will be generated 45 days prior to household s earliest ROP expiration date unless entire household is in Carry Forward (up to 3 reminder notices) Agents will have access to an Inconsistency File to track consumers that need to submit documents 34 34

36 Agent & CEC Portals Updatable Security Profile No need to call the service center for updates or changes Agent/CEC portal password CalHEERS UPDATES 35 35

37 Agent & CEC Portals Updatable Security Profile Reset their Security Questions and responses Reset their PIN CalHEERS UPDATES 36 36

38 Agent & CEC Portals Updatable Security Profile Register for One Time Passcode or opt-out at any time CalHEERS UPDATES 37 37

39 Agent & CEC Portals Enhanced Search Integrated Sort and Filter Capabilities Search for consumers who need to complete renewal or plan selection CalHEERS UPDATES 38 38

40 Agent & CEC Portals Enhanced Search First Name Filtering by First Name returns Active Consumer delegations based on the first name entered; enter a few letters or a complete name. CalHEERS UPDATES Example: A search for Joh may return results for John B, Johnathan S, and Johnny T This search does not return results for Jonathan A When an application is available, the result is based on the Head of Household Last name Searching on Last name returns all Consumer Active Delegation records based on the last name entered; enter a few letters or the complete last name. Example: A search for Bla returns results for T Blande, and S Black Search for Ack returns results T Ackerman not J Tack When an application exists, the result is based on the Head of Household 39 39

41 Shop & Compare Tool CalHEERS UPDATES 40 40

42 Optional Data page in CalHEERS consists of four valuable questions and takes less than one minute to complete WE NEED YOUR HELP THIS YEAR! 41 90% of unassisted consumer enrollment contain the optional demographic information 63% of agents fill out the optional data Here s Why Answers help Covered California understand who is getting insured, and more importantly, who remains uninsured We can provide resources (targeted Heat Maps and sales tools) to our partners to better assist them in finding and enrolling the uninsured throughout the state Helps us determine if there are gaps in services Use in conjunction with our carrier partners to promote integrated and targeted outreach strategies and increase investments in reaching the remaining uninsured Help Us Get to 80% Don t Skip on the Data 41

43 CERTIFICATION WITH COVERED CALIFORNIA 42

44 Keep Your Covered California Certification Status Agents Deadline: November 1 to sign or respond to a request to sign the amended Agent Agreement electronically via Docusign. CERTIFICATION WITH COVERED CALIFORNIA Questions? Contact AgentContracts@covered.ca.gov regarding your amended Agent Agreement. If you have sent corrected information to AgentContracts@covered.ca.gov, don t panic! We are in the process of resending corrected Agent Agreements. You will not be decertified for submitting your contact after the November 1 deadline

45 Keep Your Covered California Certification Status Certified Enrollment Counselors December 31, 2016 is the deadline to complete the Recertification Training with Covered California. CERTIFICATION WITH COVERED CALIFORNIA Counselors who do not successfully complete their Recertification Training and pass the exam by the deadline will be deactivated. Questions? Contact your Primary Contact at your affiliated entity regarding your recertification. 44 The Primary Contact of each entity can check the recertification status of each of their counselors by referring to the Training Dashboard in IPAS: 44

46 QUESTIONS? 45

47 THANK YOU! 46